The best home insurance companies in Kentucky are State Farm, Cincinnati Insurance, Nationwide, Westfield Insurance and Encompass. Nationwide ranks first for coverage options, Westfield leads in affordability and State Farm stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Kentucky
Updated: June 24, 2025
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Key Takeaways
Our 2025 study found Kentucky's top three home insurance companies: State Farm, Cincinnati Insurance and Nationwide.
State Farm offers the best overall home insurance for most Kentucky homeowners, including those with older homes.
To choose the best option, determine your coverage needs, research costs and company details and compare multiple quotes.
Who Are Best Home Insurance Companies in Kentucky?
| State Farm | 90 | 3 | 1 | 4 |
| Cincinnati Insurance | 85 | 2 | 3 | 3 |
| Nationwide | 84 | 5 | 2 | 1 |
| Westfield Insurance | 82 | 1 | 4 | 4 |
| Encompass | 76 | 4 | 5 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Our rankings reflect the best overall providers, but what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 90 | Overall |
| State Farm | 89 | Older Homes |
| State Farm | 89 | Newer Homes |
| State Farm | 90 | High-Fire-Risk Areas |
| State Farm | 91 | Bad Credit |
| State Farm | 89 | With Claims History |
Best Kentucky Home Insurance by City
Home insurance provider rankings in Kentucky cities can vary significantly based on affordability, local customer service, and available add-on coverages. For example, State Farm ranks best in Bowling Green, Lexington-Fayette, and Louisville/Jefferson with MoneyGeek scores of 90 and 91, respectively. To help you choose the best provider for your area, we've outlined each city's top options.
| Bowling Green | State Farm | 90 |
| Lexington-Fayette | State Farm | 91 |
| Louisville/Jefferson | State Farm | 91 |
Best Kentucky Home Insurance Reviews
Explore our top choices for home insurance in Kentucky, showing leaders in affordability, customer service, and coverage options, with insights from the MoneyGeek score.
Westfield Insurance: Best for Affordability
Westfield is the most affordable home insurance provider for most Kentucky homeowners. It delivers solid customer service that exceeds industry standards, earning excellent satisfaction ratings from J.D. Power in the Central U.S. region. Westfield offers inland flood endorsement that covers flooding from events like rapid snowmelt and excessive rainfall, and service line coverage that covers the cost of repairing or replacing underground utility lines.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $142 | $1,707 |
| Newer Homes in High-Fire-Risk Areas | $142 | $1,707 |
| Older Homes | $204 | $2,446 |
| Older Homes in High-Fire-Risk Areas | $204 | $2,446 |
State Farm: Best for Customer Service
State Farm delivers strong customer service among Kentucky home insurance companies, placing seventh nationally in terms of customer satisfaction according to J.D. Power. State Farm's comprehensive coverage includes an increased dwelling limit that automatically extends dwelling coverage up to 20% above your chosen limit, replacement cost coverage for personal belongings, and extensive coverage add-ons, including extended replacement cost coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
Claims History:1 claim in past 5 years
| Newer Homes | $144 | $1,722 |
| Newer Homes in High-Fire-Risk Areas | $144 | $1,722 |
| Older Homes | $239 | $2,871 |
| Older Homes in High-Fire-Risk Areas | $239 | $2,871 |
Nationwide: Best for Coverage
Along with offering low rates for those with new homes in Kentucky, Nationwide is also the best overall option for coverage add-ons in the state. Its unique offerings include better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $104 | $1,251 |
| Newer Homes in High-Fire-Risk Areas | $126 | $1,514 |
| Older Homes | $176 | $2,117 |
| Older Homes in High-Fire-Risk Areas | $214 | $2,562 |
How to Find the Best Home Insurance in Kentucky
Selecting the right insurance can be tough, so we've prepared a straightforward guide to help you find coverage that fits your needs.
- 1
Determine coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value and your personal belongings.
- 2
Research costs and discounts
Figure out how much home insurance costs in Kentucky to see if providers offer savings. Also, explore discounts you qualify for, such as bundling policies or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search to find Kentucky's best and cheapest home insurance. Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value and your personal belongings.. Evaluate insurers based on customer service, pricing and available coverage add-ons to suit your needs.
- 4
Compare multiple providers through all means
Compare providers to find the best option. Check quotes both online and from those provided by brokers or agents over the phone.
- 5
Review and finalize your choice
Once you have made comparisons and chosen a provider, review all details before finalizing. Make sure the policy accurately reflects your coverage needs and preferred endorsements.
Best Homeowners Insurance in Kentucky: Bottom Line
State Farm, Cincinnati Insurance, and Nationwide are the best-rated homeowners insurance providers in Kentucky. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in Kentucky: FAQ
Explore our FAQ section for quick answers on choosing the right home insurance provider in Kentucky.
Which company is best for home insurance in Kentucky?
State Farm is the best homeowners insurance provider in Kentucky due to its affordability, customer service, and strong add-on coverage options. Cincinnati Insurance, Nationwide, Westfield Insurance, and Encompass are also great options in the state.
Who has the most affordable homeowners insurance in Kentucky?
Affordable homeowners insurance in Kentucky hinges on various factors unique to the homeowner's situation. Though, Kentucky's average homeowners insurance cost is $1,409 annually.
How do you get the best homeowners insurance in Kentucky?
To find the best home insurance in Kentucky, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Kentucky: Our Methodology
We rated the best homeowners insurance providers in Kentucky using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.